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Investing/Strategies / Retirement Investing
|Subject: Re: Fidelity ?||Date: 1/2/2005 4:44 PM|
|Author: ziggy29||Number: 43827 of 77559|
I haven't seen this year's numbers, but one of the few consistent Fidelity stars lately has been Low-Priced Stock, but that's been closed to new investors for a while now.
My 401(K) is with Fidelity. The investment options I have (about 20 of them) are decent, I guess, but not as good as I'd like. Since I have about a 70/30 stock/bond allocation, usually I just buy Freedom 2020 with the current year's contribution (since that best approximates the asset allocation mix I keep) and then sell it and reallocate/rebalance each year.
I try to keep a similar asset allocation with my 401k as my other tax-deferred investment account. But in '04 my 401k had about an 8% rate of return compared to 14-16% for my other accounts. (But to be fair my 401k didn't have options like emerging markets and REITs which have done very well for me of late.)
What few non-Fidelity options we have in there are among the best performers available to us. They added a small cap fund this year to replace Low Priced Stock for those not currently in it (which is a Morningstar 5-star fund but I don't remember the name) and there's a Pimco bond fund which has done quite well, too.
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